Residential & Commercial Flood Coverage
Flood insurance is a separate policy — for homes, rental properties, and commercial buildings. If you don't have it, you're exposed. And there's a 30-day waiting period before coverage kicks in.
What's Covered
Flood insurance protects both the building itself and the assets inside — for residential properties and commercial operations alike.
Common Misconceptions
Three assumptions that leave businesses and homeowners without coverage when they need it most.
Standard homeowners and commercial property policies explicitly exclude flood damage. You need a separate policy — no exceptions.
More than 20% of flood insurance claims come from outside designated high-risk zones. Heavy rain, poor drainage, and storm surge don't follow flood maps.
Coverage doesn't begin for 30 days after purchase. By the time a hurricane is forecast, it's already too late to get protected.
Your Options
Two paths exist for flood insurance. The right fit depends on your property type, location, and coverage needs.
The National Flood Insurance Program is backed by FEMA and available in most flood-participating communities. It offers standardized coverage with set limits — a straightforward option for many residential properties.
Private carriers can offer higher coverage limits, broader terms, and faster underwriting. Often a better fit for commercial properties, high-value homes, or owners who need coverage that exceeds NFIP caps.
Get Protected
Answer a few quick questions and get a personalized flood insurance quote. We work with residential and commercial properties across the country.
No obligation. Just clarity.